To drive a motorcycle, you must have a valid motorcycle license. For motorcycles, insurance is not required while the vehicle is driven on private property.

If you're a motorcycle driver who has insured your motorbike by finding the lowest rate through InsuranceHotline.com, then you should also be aware of the benefits that would be paid out to you in various circumstances. The information below is from the Insurance Act for the province of Ontario, and you may wish to consult the Act in your own state or province to determine the exact benefit amounts that apply to you.

Many factors play a role in determining the cost of your motorcycle insurance. Your age, your driving record, how often you drive, your rider training, whether or not your have prior motorcycle insurance, where you live, and the type of motorcycle you own can all affect your insurance premium

Frequently asked questions about Motorcycle Insurance.

Car insurance rates go through the roof when consumers are involved in one accident or more. Nobody wants to be in an accident, but some are unavoidable and sometimes beyond the control of the driver.

You've been slapped with a fine for a driving infraction — now what? Should you just pay the ticket and forget about it? What about demerit points and how they will affect your driving record, not to mention your auto insurance rate?

You may have heard of this recent happening: a driver in Kitchener, Ont. is facing seven charges in a stunt-driving investigation. Doing 145 km/h in a 90 km/h zone, the driver, in a sedan, is facing charges that include stunt driving (driving at a rate of over 50 km/h), speeding in a 90 km/h zone, driving with a blood alcohol concentration level over zero (he was a Class G2 licence holder), producing false evidence and knowingly having false insurance.

If you drive a car, then it's inevitable: you probably have a couple of bad habits. Nobody's perfect and while it's tempting to start multitasking, speed or even try to finish getting ready for work in the car, know that you could be setting yourself up for trouble.

When it comes to understanding the insurance industry in Canada and Ontario specifically, it can get a bit confusing for the average consumer. What organizations are out there? And what regulatory bodies are helping protect your rights as a policyholder?